I am, in part, with the shadow Minister on this issue. There is evidence of clear breaches of the treating customers fairly regime by certain providers. As my right hon. Friend the Minister knows, some contributors in the pensions market have suggested that a way round that problem is for the FCA to oblige providers to ask a series of mandatory questions to prompt customers about issues likely to affect their retirement benefits. They said we should not continue with the status quo, and accept the customer’s instructions without active intervention. I guess the question is whether the Minister really believes that the FCA’s review will consider that option before it comes into force in April next year.